Required Information and Documentation

In order to get a Pre-Approval for a Mortgage, and to submit your application to an underwriter, your mortgage professional will need to verify the following APPLICABLE documents pertaining to EACH borrower.

Please be sure all copies provided are fully legible. Any documentation with information partially blacked out, or information cut off the edges due to copies not being properly aligned/centered, will not be acceptable to the underwriter. 

Printable PDF Version:  Information/Documentation Checklist

Please review each item completely.

Personal / Identification:

• Please provide the full legal name of each applicant (This is to avoid any typos. Many personal documents I come across have different spellings of the applicant's name) Please include Jr /Sr or II /III etc. if applicable.
• Date of Birth and Social Security Number
• Martial Status: 1) Married (incl. Registered Domestic Partner),   2) Unmarried (incl. Single, Divorced, Widowed), or,   3) Separated 
• Contact number and email address for EACH borrower. Include home phone number if applicable.
• Number of Dependents and their ages.
• Years of school completed (12 for High School, 14 for Associate's Degree, 16 Years for Bachelor's Degree, etc.)
• Last 24 month residence history. Do you own or rent the current address? If you rent, what is your monthly rent payment? 
• Clear/Legible copy of Drivers License. 
• Clear/Legible copy of Social Security Card, OR, valid U.S. Passport
• Copy of Green Card/Proof of Citizenship (For Permanent and Non-Resident Aliens) 

Proof of Income:

• Last 24 months employment history. (Provide specific start/end dates) Please include job title/occupation, address, compensation type, and compensation rate. (Hourly, Salary, Commission, Base plus Commission, Piece Work, etc)
• HR Dept or other contact number for Verification of Employment (VOE) from each employer.
• Most recent pay stubs covering a minimum of 30 days. Pay stubs must show YTD earnings.
• Last two years W-2’s and/or 1099’s from all employers.
• Last two years tax returns, ALL PAGES/SCHEDULES. Please sign copies provided. ***Self-Employed borrowers and anyone owning more than 25% in a company must include all corporate returns as well.
• Social Security Awards Letter, Pension Awards Letter, Disability Awards Letter, etc.
• Child Support / Alimony (Whether you pay or receive, please be specific and include any and all documentation including Divorce Decrees, Judgment Letters, etc.) Also see Divorce Decree below.

Proof of Assets: ***Please review this section carefully***

• Two most recent FULL monthly bank/financial statements covering a minimum of 60 days, OR, the most recent quarterly statement, depending on how the financial institution provides them. All Accounts/All Pages. (Checking, Savings, IRA, 401k, CD's, etc.) Please be sure your full name and at least a partial account number appears on the statement, and be sure to include ALL pages. If a statement has 4 pages, and the last page is blank or is a reconciliation page, you still must include that page. “Screen Shots” and/or “Summary Pages” will not be acceptable. Any large deposits not associated with the borrowers normal income must be explained in detail and sourced with documentation, including bank transfers. ***An itemized list of these assets MAY be acceptable for a Pre-Qualification, but full statements will be required for underwriting.
• Any Earnest Money Deposit (EMD) on Purchase Transactions must be traceable. I will need a copy of the front and back of the cleared deposit check, or copy of the wire transfer receipt for any funds wired. Once available, I will also need an updated bank statement, or Recent Transaction History page showing these funds being withdrawn from your account. This must also show your name, and at least a partial account number, to match the full statements provided.
• Any funds being used from the recent sale of another property must include a copy of the signed HUD-1 from that transaction.